The Measures for the Supervision and Administration of Credit Card Business of Commercial Banks have corresponding provisions:
Article 42 The issuing bank shall determine the required (optional) elements of the credit card application materials according to the requirements of comprehensive risk management. If the required information or required items are omitted or the application materials are not signed, the credit card shall not be issued.
If there is suspicious information in the credit card application materials, the audit opinions are missing, the auditors at all levels have not signed (signed, entered the work code) or the system audit records are missing, the credit card may not be issued.
Extended data:
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Relevant provisions of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:
Article 33 The cardholder has the right to ask the issuing bank for the statement of account within the specified time, and has the right to ask for inquiry or correction of inconsistent accounts. After the procedures for reporting the loss of a debit card are completed, the cardholder will no longer be responsible for the change of funds in the corresponding card account unless otherwise decided.
Establish an effective credit reward and punishment mechanism. Establish a joint incentive and disciplinary mechanism, highlight market forces, guide administrative demonstration applications, encourage and disciplinary measures for dishonesty, clarify serious dishonesty and its special disciplinary measures, and stipulate the linkage of information on dishonesty between legal persons and natural persons.
Article 34? The issuing bank shall establish a credit card marketing management system, conduct systematic training, registration assessment and standardized management for marketing personnel, and shall not adopt a single assessment method based on the number of cards issued.
Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks